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Commercial & Specialty Risk
These coverages form the "physical and operational" foundation for any private business, protecting against everyday liabilities and property losses.
Commercial General Liability (CGL):
- What it is: The baseline protection for any business. It covers claims for third-party bodily injury, property damage, and personal/advertising injury (such as libel or slander).
- Key Details: This protects the company if a customer is injured on your premises, or if your products or completed operations cause damage to someone else's property.
Commercial Property:
- What it is: Protects the physical assets of your business.
- Key Details: This covers your building, equipment, inventory, and furniture from losses due to fire, theft, windstorms, or other natural disasters.
Commercial Auto:
- What it is: Protects the business from financial loss if a company-owned vehicle is involved in an accident.
- Key Details: It includes liability for bodily injury and property damage, as well as "Hired and Non-Owned Auto" (HNOA) coverage, which protects the company when employees use their personal vehicles or rentals for business purposes.
Commercial Umbrella / Excess Liability:
- What it is: Provides high-limit protection that sits on top of your primary liability policies (General Liability, Auto, and Employers Liability).
- Key Details: It acts as a critical safety net, picking up where your other policies end to protect your business assets from catastrophic, multi-million dollar lawsuits.
Workers’ Compensation:
- What it is: A state-mandated insurance that provides medical benefits and wage replacement to employees injured on the job.
- Key Details: In exchange for these benefits, employees generally give up the right to sue the employer for negligence related to the injury.
Business Owners Policy (BOP):
- What it is: A convenient and cost-effective package designed for small to mid-sized businesses.
- Key Details: It typically bundles General Liability and Property insurance into a single policy, often at a lower premium than buying them separately.